Editorial and Partnership Disclosure
Ink Business Cash® Credit Card offers generous cash-back rewards for office-based businesses. It charges a $0 annual fee and comes with a lucrative welcome bonus and 0% Intro APR on Purchases 12 months. What’s more, it provides several ways to redeem your rewards, including cash back, gift cards, travel, and merchandise, letting you choose the option that brings more value to your business.
| Intro APR | 0% Intro APR on Purchases 12 months |
|---|---|
| Regular APR | 16.99% - 24.99% Variable |
| Annual Fee | $0 |
| Credit Needed |
- Earn up to $750 when you spend $6,000 on purchases in the first three months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
How We Evaluate Cash Back Business Credit Cards
When evaluating cash back business credit cards like Chase Ink Business Cash® Credit Card, we first consider both the introductory and ongoing rewards. We also rate the annual fee, introductory and ongoing annual percentage rates (APRs), other fees, and card benefits.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 20 | 25 |
| Introductory Rewards | 23 | 25 |
| Annual Fee | 10 | 10 |
| Additional Features | 10 | 10 |
| Introductory APR | 8 | 10 |
| Ongoing APR | 10 | 10 |
| Other Fees | 7 | 10 |
| Total Score | 88 | 100 |
Who the Ink Business Cash® Credit Card Is Best For
- Office-based businesses: Business owners can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
See our recommended alternatives below if this card isn’t the best fit for your business.
Ink Business Cash® Credit Card Rewards
- Earn
$750$1,000 when you spend $8,000 on purchases in the first four months after account opening - 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year, then 1% afterward
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1% afterward
- 1% cash back on all other purchases, and when the cap is reached
Rewards Calculator
Do you want to know how much you can earn from Ink Business Cash® Credit Card? Use our calculator below to find out—input your estimated expenses based on the given categories, and our calculator will do the rest.
Chase Ink Business Cash® Credit Card Rewards Calculator
How to Redeem Rewards
You can redeem rewards for cash back, gift cards, travel, Apple products, and more through Chase Ultimate Rewards®. Note that rewards don’t expire for as long as your account remains open and in good standing.
Ink Business Cash® Credit Card Features
Travel Benefits
- Auto rental collision damage waiver: Decline the company’s collision insurance and get reimbursed up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the US and abroad.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance
- Roadside dispatch: Call 800-847-2869 anytime to dispatch the help you need—from a tow or jump-start assistance and a tire change to lockout service, winching, and gas delivery. Note that roadside service fees will be provided when you call and are billed to your card.
Purchase Protection
- Purchase protection: Protect your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Extended warranty protection: Extend the period of the United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
- Fraud protection: Get notified via text, email, or call if there are unauthorized purchases made with your credit card.
- Zero liability protection: Get protected from any unauthorized purchases made with both your card and your account information. Note that zero liability protection will not apply to accounts that are not approved by the primary card member.
Card Management
- Chase Ink®: Access a 24/7 platform to view account details, quarterly reports of up to 24 months of statement details, and more. In addition, Chase Ink® can also help build your business credit through its credit history.
- Free employee cards: Receive free employee cards, set individual spending limits, and earn rewards faster.
- Customer service: Call Chase for any concerns on your card via the Ink Business Credit Card Services hotline at 800-945-2028 or the Chase Business Customer Service at 800-242-7338.
Ink Business Cash® Credit Card Fees
APR
- Introductory: 0% intro APR for 12 months from account opening on purchases
- Ongoing for purchase: 16.74% - 24.74% Variable
- Ongoing for balance transfer: N/A Variable
- Ongoing for My Chase LoanSM: 17.24% to 25.24%
- Cash advance: 28.49% Variable
- Penalty: Up to 29.99%, which adjusts with the prime rate. This will be applied to your account if you either:
- Failed to make a minimum payment by the date and time that it’s due
- Made a payment that’s returned unpaid
Fees
- Annual: $0
- Chase Pay Over TimeSM: Monthly fee of 0% of the amount of each eligible purchase transaction during the 0% introductory period on purchases; after that, a monthly fee of 1.72% of either the amount of each eligible purchase or the amount selected to pay over time
- Balance transfer: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash advance: Either $15 or 5% of the amount of each transaction, whichever is greater.
- Foreign transaction: 3% of the amount of each transaction in U.S. dollars.
- Late payment: N/A
- Return payment: $40
- Return check: $0
Your due date will be a minimum of 20 days after the close of each billing cycle.
How To Make Payments
- Online or Chase Mobile® App: Go to chase.com/paycard to sign in and make a payment online. You can also enroll in automatic payments through the website or mobile app. When you enroll, specify the deposit account from which your payment will be deducted and how much you’d like to pay, such as the full statement balance, minimum payment due, or any fixed amount.
- Phone: Call the automated phone service at (800) 436-7958.
- Mail or money order: Include your name and full account number on your check or money order—and don’t send cash. Mail your payment to the following address:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294
Alternatively, you can send your payment via overnight mail to the following address:
Chase Card Services
201 N. Walnut St.
Del-0153
Wilmington, DE 19801
- Western Union: Use the Code City WALNUT when you pay via Western Union. Note that it may take up to seven days for the payment to be reflected in your account.
- Nearest Chase ATM or branch: Find the nearest Chase ATM or branch.
Ink Business Cash® Credit Card Alternatives
The American Express Blue Business Cash™ Card
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power*.
- * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee. Terms Apply. Learn More.
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
The American Express Blue Business Cash™ Card features Expanded Buying Power, allowing you to spend over your credit limit when you need to. The amount you can spend adjusts based on your card usage, payment behavior, credit history, and other financial factors. You can earn up to 2% cash back on all purchases, regardless of expense categories, which you will receive as automatic statement credit without the need to redeem. Plus, it offers a $0 annual fee, 0% APR on purchases for the first 12 months of card ownership, and a $250 statement credit after meeting the spending requirements.
U.S. Bank Triple Cash Rewards Visa® Business Card
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest — just pay a small monthly fee
With a U.S. Bank Triple Cash Rewards Visa® Business Card, you’ll receive a $100 statement credit per year for your business’s recurring software subscriptions. This is on top of up to 5% cash back on your regular purchases. What’s more, it features the ExtendPay® Plan, which lets you divide your eligible balance into monthly installments without interest—just pay a fixed monthly fee.
Capital One Spark Cash Select
| Intro APR | N/A |
|---|---|
| Regular APR | 16.74% - 22.74% (Variable) |
| Annual Fee | $0 |
| Credit Needed | Excellent |
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Downloadable purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
- $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
- Exclusive deals at Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
Capital One Spark Cash Select gives you Earn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening. On top of that, you’ll receive up to 5% cash back on your regular purchases. You can redeem your cash back for any amount, and your rewards don’t expire as long as your account is in good standing. Plus, it charges $0 annual fees.
Frequently Asked Questions (FAQs)
What do I need to apply for a Chase business credit card?
To apply for a Chase business credit card online, you need to provide your business and personal information, including your social security number, legal business structure, and employer identification number.
Can I set spending limits on employee cards?
Yes, you can set individual spending limits on your employee credit cards added to your account. You can do this through Chase online or mobile banking platform. Keep in mind that you will be responsible for any charges on your account, may it be done by you, an authorized user, or anyone else allowed to use your account.
Will I lose my rewards?
Your cash back rewards don’t expire as long as your account is open. However, you will immediately lose all rewards if your account status changes or your account is closed for reasons described in the terms of the Rewards Program Agreement, including program misuse, fraudulent activities, failure to pay the balance due, and bankruptcy.
Bottom Line
Ink Business Cash® Credit Card is a great option for those whose expenses come from office supplies, internet, cable, and phone services. It lets you save on credit costs by charging $0 annual fees and offering an interest-free financing option on purchases for the first 12 billing cycles. Keep in mind that it comes with high balance transfer and cash advance fees and doesn’t offer an interest-free financing option on balance transfers.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cards
American Express Blue Business CashTM Card
